SR-22 Insurance In California

There are many people who think SR-22 insurance is like normal auto insurance. It is actually automobile liability insurance document used by Department of Motor Vehicles (DMV) offices in the U.S.A. Your auto insurance company files SR-22 insurance form and submits it to the DMV stating that your vehicle is covered with an active auto insurance policy. An SR-22 insurance filling helps the DMV to keep a track of your vehicle insurance where your insurance company is required to submit every detail of the policy and notify them when any policy is canceled or expired.

In California, the Department of Motor Vehicles will need a SR-22 insurance policy that is valid for 3 years. If that policy is canceled during that period then DMV will suspend your pending license proof and your have to contact your insurance company again for a fresh policy.

The SR-22 insurance policy is filed in the main office of the insurance company where you have applied for an auto insurance policy.

Reasons why SR-22 insurance is required in CA

There are several reasons why you need to opt for this type of policy or quote and maintain a minimum premium limit of auto liability insurance. Some reasons are stated below:

*  Drinking under the influence of alcohol (DUI) or driving while intoxicated (DWI) and any serious violation of traffic rules and reckless driving.

*  Driving without insuring your vehicle.

*  Getting too many cases or tickets from police for doing the same offense and that too within a short period of time.

*  Driving with a revoked or suspended license.

*  Driving without lights at night.

SR-22 insurance cost

As mentioned above, this is not an insurance policy, it is a form. However, you have to pay a nominal amount of $20 and it is a one time payment. Generally, the cost of this specific insurance will be the rates of your auto insurance, plus a filing fee of $20. Other costs will include DUI fees (if applicable) and $55 to the Department of Motor Vehicles in order to reinstate your driving license.

How can you get SR-22 insurance quotes in CA?

Motorists or car owners can independently apply online for quotes regarding SR-22 insurance. Modesto CA residents who have applied for auto coverages can also take help of insurance companies or brokers who can file a quote on behalf of them. You do not have to take any tension. Your insurance agents will do the job for you.